Updated: October 12, 2018

Chesterfield conveyancing solicitor fees and costs

No Move, No Fee conveyancing in Chesterfield

Conveyancing solicitor fees are paid your Chesterfield conveyancing solicitor for the legal work involved in moving home.

Do Chesterfield conveyancing solicitors work on a fixed fee basis?

Some conveyancing solicitors in Chesterfield carry out the legal work on an hourly rate. Some solicitors will complete the work on a fixed 'No Move, No Fee' basis. We work on fixed legal fees (known as 'No Sale, No Fee' or 'No Move, No Fee'), with no hidden costs. Your quote explains what you will pay when your property transaction has completed.

What are disbursements?

You will have to pay any 'disbursements', in addition to conveyancing solicitor fees.

Disbursements are fees, costs or taxes the conveyancing solicitor will have to pay to other organisations as part of the house-buying and selling process. These include costs like property searches or indemnity insurance.

See: A guide to conveyancing fees, costs and disbursements

How much will conveyancing in Chesterfield cost in total?

Conveyancing solicitor fees in Chesterfield should not vary, wherever you are buying or selling in the UK. However, there may be some variation in certain disbursements. For example, specific extra searches, such as a Coal Authority search, may be necessary and council search fees will vary.

With Quittance, there are absolutely no hidden costs. For a standard home sale or purchase, the fees we quote are the fees you pay. To calculate the conveyancing fees for your move, try our conveyancing fees quote calculator: Click here

Quittance's conveyancing fees were considerably cheaper than the average solicitors' fees

Conveyancing - Buying a property in Chesterfield

The legal work for a property buyer needs a Chesterfield conveyancing solicitor to consider a wide range of issues. Examples of such factors are a defective title (e.g. breached restrictive covenants) and the future saleability of the property.

The property lawyer will report their findings back to the buyer and their mortgage lender, help with resolving any problems and ensure that the change of ownership is registered at the Land Registry.

The content below discusses those residential property types that carry additional risk for buyers looking for conveyancing solicitors in Chesterfield.

Your Chesterfield conveyancing solicitor must be lender-approved

Regardless of whether your mortgage is with a major lender like Lloyds Bank or a financial institution such as Hampden & Co, before instructing a Chesterfield conveyancing solicitor it is paramount that you confirm that they can represent your lender.

Your conveyancer may be unable to act for your lender, because some banks and building societies are only happy to work with a selected list (their 'panel') of law firms.

Under these circumstances, the lender will probably need a second law firm to complete the legal work, and you will be expected to pay this alternative solicitor's fees. This can frustrate or delay the process.

Failing to check your property solicitor's lender panel status can mean significant delays.

Quittance Conveyancing can perform the conveyancing for all lenders.

Residential Property Searches (Chesterfield Borough Council)

Searches are questions submitted to public bodies by Chesterfield conveyancing solicitors to identify information and potential issues affecting your planned purchase. They include:

  • Local Authority search - includes the LLC1 Local Land Charge Register and CON29 Enquiry Form
  • Drainage & Water search - identifies whether the owner or local authority must pay for the maintenance of water mains and sewers
  • Environmental search - shows risks within 500 metres of the property, such as toxic chemicals in the land
  • Chancel repair liability - there is a risk that some Chesterfield properties owe a liability to the local parish to pay for church repairs. Insurance can be taken out to protect against this liability.

More pertinent searches, such as a more detailed flood report or an energy search, may also be recommended in the initial LA and Environmental searches.

Chesterfield Borough Council has a typical lead time of 10 weeks for LA searches. Faster personal searches (as opposed to official LA searches) will therefore be recommended.

Planning searches

The conveyancing solicitor acting for the buyer will obtain an Official Copy of the Title Register from HMLR. This will help to identify any planning issues, such as right of access issues or discrepancies with the filed plan.

Chesterfield Borough Council Council Tax

Chesterfield Borough Council calculate council tax on Chesterfield homes based on the number of occupants and the historic value of the property (as valued at 1 April 1991). For example, for an average Valuation Band E property in Chesterfield, the amount due would be £2,095 per year.

A conveyancing solicitor in Chesterfield will inform the purchaser of the property's band once this is confirmed by the searches.

If the property is unoccupied for 2 years or more, an additional premium of 50% may be applied to the council tax. Single person discount reduces the tax due to 75% which would equal £1,572.

Other discounts and exemptions could also apply, for example a 10% discount for second homes or if the property is occupied by someone who is seriously mentally impaired.

Band Chesterfield Borough Council Tax (2018)
A £1,143
B £1,333
C £1,524
D £1,714
E £2,095
F £2,476
G £2,857
H £3,429

Are you paying more than you should?

Owners can ask for their property to be reassessed. The band could be revised up as well as down. Contact the VOA for more information on how to challenge your tax band:

Valuation Office Agency
Cathedral Court
1 Vicar Lane
Sheffield
S1 1HD
South Yorkshire

Stamp Duty on Chesterfield properties

Stamp duty is paid to HMRC by completing an SDLT1 form. The form is lengthy and complex.

If you are buying a home in England, Wales or Northern Ireland then you will usually need to pay Stamp Duty Land Tax.

Quittance is able to administer the Stamp Duty Land Tax process faster and more efficiently than ever, using integrated online systems.

The following table illustrates Stamp Duty Land Tax examples for average properties in Chesterfield:

  Average selling price (2018 to date) Stamp Duty Land Tax
Average price £151,010 £520.20
Average price (detached) £236,465 £2,229.30
Average new build £384,995 £9,249.75
If you already own another property or share in a property , anywhere in the world you will be subject to a 3% stamp duty surcharge. For example, if a homeowner bought a second home in Chesterfield for the average price of £151,010 the SDLT would be £7,550.50.

Stamp duty relief for first-time buyers in Chesterfield

For first-time buyers, stamp duty is only payable on purchases over £300k.

Chesterfield conveyancing solicitors should ensure an accurate calculation is made.

Buying a flat? Leasehold conveyancing in Chesterfield

New build site

Purchasing a leasehold property is not as straightforward as buying a freehold home. Numerous legal complications could be lying in wait for the unsuspecting purchaser, such as reversionary interests, incomplete management company accounts and increasing ground rents.

Poor leasehold guidance, from a conveyancer lacking in specialist knowledge, could have costly, long-term consequences.

A experienced conveyancing solicitor in Chesterfield will consider potential leasehold issues, for example reviewing the lease itself (some documents can be centuries old), dealing with freeholders and managing agents and possible service charge shortfalls.

Ensure that you are aware of all the potential issues and costs associated with the lease with our team of leasehold conveyancing solicitors.

Buying a 'New Build' property in Chesterfield?

House being built

Based on local Her Majesty's Land Registry statistics, the average cost of new build property in Chesterfield is £384,995. 1 brand new homes have been bought in Chesterfield in 2018 so far.

The legal side of acquiring a new build is generally more complex than 'standard conveyancing'. Therefore a conveyancing solicitor in Chesterfield must be mindful of Chesterfield-specific issues and should investigate several key issues, including handling equity loan schemes and confirming building regulation compliance.

Our highly qualified team of new build conveyancers are experts in working to developer exchange timeframes and ensuring that new build contracts favour the client as much as possible.

Derbyshire Conservation areas

Moving into a conservation area-protected street usually means that the local character will be preserved. However, conservation area restrictions will affect your house.

These constraints, referred to as Article 4 Directions, may include:

  • Restrictions on the use of cladding
  • Restrictions on joinery colour choices
  • Restrictions on extensions even if within Permitted Development rights

The local planning authority can order any non-compliant alterations to a property to be changed or removed, such as removing a garden fence or gate.

Barrow Hill, Newbold Eyre and Abercrombie Street are among the conservation areas in Chesterfield. Quittance's conveyancing solicitors will address whether the home you plan to buy is located in a conservation area in Chesterfield.

Conveyancing - Selling a property in Chesterfield

The legal work involved in a sale of a home is simpler than for a property purchase. The buyer's conveyancer will carry out extensive research on the property and its legal title, whereas conveyancing solicitors in Chesterfield acting for the vendor essentially just answers the buyer's questions.

Why do sales fall through?

Obstacles, such as a solar panel 'rent a roof' scheme, can actually delay the conveyancing process if not handled appropriately.

Don't ignore the issue and hope any such problems will go away, instead get advice and attempt to resolve it ASAP.

Further reading:

For more conveyancing advice for sellers click here.

Leasehold

The legal work for a leasehold flat is a great deal more difficult in comparison with a freehold house.

The complexities of leasehold mean conveyancing solicitors in Chesterfield must undertake extra work, which could include collating an up-to-date service charge statement, through to any documentation relating to forfeiture proceedings.

It is strongly advised that the vendor contacts a lawyer with leasehold experience as soon as the decision is made to sell to ensure any legal complexity is correctly handled.

What if Quittance is acting for the other side?

Solicitors Regulation Authority (SRA) rules prevent the same solicitor from working on behalf of both sides in a property sale. However, CLC-regulated conveyancers, can act for both the buyer and the seller.

If you are buying or selling a property in Chesterfield, and a Quittance solicitor is acting for the other side, you could instruct a property solicitor firm in Chesterfield to carry out your legal work.

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Conveyancing - Remortgaging a property in Chesterfield

The main reason people remortgage is to secure a lower interest rate. Other reasons to think about remortgaging include funding a one-off purchase, or the current mortgage deal coming to an end.

You will typically be able to benefit from a lower rate sooner by using a more proactive conveyancing solicitor in Chesterfield. With the Bank of England base rate now at 0.5% (May 2018), fast conveyancing can be a crucial factor in getting the mortgage rate you want.

So that they can make sure that the lender's capital is protected, the property lawyer handling your remortgage will represent both you and the mortgage lender.

Gaynor Haliday, Legal researcher

About the author

Gaynor Haliday is an experienced legal researcher and published author. She has had numerous articles published in the press and is a legal industry commentator.

Read more about this Quittance Legal Expert

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